Erie Indemnity Company (ERIE)vsWillis Towers Watson PLC (WTW)
ERIE
Erie Indemnity Company
$240.53
-2.18%
FINANCIAL SERVICES · Cap: $12.58B
WTW
Willis Towers Watson PLC
$293.36
-0.02%
FINANCIAL SERVICES · Cap: $27.89B
Smart Verdict
WallStSmart Research — data-driven comparison
Willis Towers Watson PLC generates 139% more annual revenue ($9.71B vs $4.07B). WTW leads profitability with a 16.5% profit margin vs 13.8%. WTW appears more attractively valued with a PEG of 1.08. WTW earns a higher WallStSmart Score of 62/100 (C+).
ERIE
Hold49
out of 100
Grade: D+
WTW
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-285.5%
Fair Value
$72.76
Current Price
$240.53
$167.77 premium
Margin of Safety
-153.5%
Fair Value
$110.50
Current Price
$293.36
$182.86 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Every $100 of equity generates 26 in profit
Strong operational efficiency at 35.4%
Every $100 of equity generates 20 in profit
Attractively priced relative to earnings
Areas to Watch
2.9% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 58.4%
Revenue declined 3.3%
Earnings declined 38.2%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ERIE
The strongest argument for ERIE centers on Altman Z-Score, Return on Equity.
Bull Case : WTW
The strongest argument for WTW centers on Operating Margin, Return on Equity, P/E Ratio. Profitability is solid with margins at 16.5% and operating margin at 35.4%. PEG of 1.08 suggests the stock is reasonably priced for its growth.
Bear Case : ERIE
The primary concerns for ERIE are Revenue Growth, Piotroski F-Score, PEG Ratio.
Bear Case : WTW
The primary concerns for WTW are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
ERIE profiles as a value stock while WTW is a declining play — different risk/reward profiles.
WTW carries more volatility with a beta of 0.62 — expect wider price swings.
ERIE is growing revenue faster at 2.9% — sustainability is the question.
WTW generates stronger free cash flow (708M), providing more financial flexibility.
Bottom Line
WTW scores higher overall (62/100 vs 49/100), backed by strong 16.5% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Erie Indemnity Company
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Erie Indemnity Company is an administrative agent for underwriters on the Erie Insurance Exchange in the United States. The company is headquartered in Erie, Pennsylvania.
Willis Towers Watson PLC
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Willis Towers Watson PLC (WTW) is a leading global advisory, broking, and solutions firm that excels in risk management, insurance, and consulting services. With a presence in over 140 countries, WTW leverages cutting-edge data analytics and technology to deliver tailored solutions across key sectors such as health, retirement, and talent management. The company caters to a diverse clientele, ranging from multinational corporations to smaller enterprises, and is dedicated to fostering sustainable growth while enhancing client engagement. Its strategic initiatives position WTW as a trusted partner for organizations seeking to navigate the complexities of an evolving market landscape.
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